Best Free Church Accounting Software in 2025

Church accounting software solutions are designed to help faith-based organizations manage and streamline their accounting processes. This type of software enables religious institutions to automate and organize their day-to-day financial operations. Whether it’s to maintain clear and accurate financial records or manage expenses, a church accounting software prioritizes the accountability aspect of finance in church organizations.

One of the best ways to find the best free church accounting software is to sign up for free trials or demos offered by the vendor. In this way, you’ll be able to do a comparison of each product’s features and see for yourself if your chosen tool matches your organization’s unique accounting needs. You can start by signing up for free trials or demos of the top products in our free church accounting software category: Zoho Books, Zoho Expense, Planning Center, Wave, and ProfitBooks.

Small and family-size church organizations. Free accounting software for churches are best suited to small and family-size types of church organizations. With a good accounting software in place, organization leaders can easily keep track of their cash flows.

Medium-size church organization. For medium-sized church organizations with a limited budget for premium solutions, a free accounting software can provide the basic tools that they need to track their budgets and expenses. Most free accounting programs also help church institutions compensate vendors and staff directly through their bank accounts.

• Zoho Books. An industry-leading accounting tool that simplifies bookkeeping for nonprofit organizations. It enables church institutions to manage invoices, accept and track online donations, and keep a close eye on their expenses.
• Zoho Expense. Another software program from the Zoho accounting suite purposely built for creating expense and budget reports based on the organization’s grants and donations. The solution also synchronizes all expense accounts to ensure accuracy of financial records.
• Planning Center. A free church financial software with accounting capabilities ideal for small and growing churches. It enables church organizations to quickly count checks and cash and allows church members to make their donations online.
• Wave. A complete accounting solution that combines invoicing, expense tracker, and receipt scanning. It also allows church institutions to create and send out professional-looking invoices, receipts, and estimates.
• ProfitBooks. A cloud-based accounting tool that helps church organizations record expenses, income, and journal entries. It streamlines accounting processes and empowers finance management on the go with its native mobile app.

Cloud-based church accounting software. This type of church financial software free program can easily be accessed via the Internet. It keeps financial data and information constantly up to date, making it easier for church organizations to keep track of their books anytime and anywhere.

On-premise church accounting programs. An on-premise church accounting tool often requires a software installation on your device before you can use it. It stores your files on a local server and ensures that your financial information, transactions, and accounts are safe from potential data breaches.

Invoicing and billing. These features allow church organizations to simplify invoicing, purchasing, and collection processes. With digital invoices, church institutions can easily send invoices and receipts to their members and generate reports of their expenses.

Bank reconciliation. This is an important feature that provides church institutions with a summary of their banking and business accounts. By reconciling bank accounts with the organization’s financial records, administrators can keep records and verify each financial transaction to avoid fraudulent activities.

Budgeting. With budgeting tools, church administrators can easily supervise their financial planning processes. These tools centralize all financial data records, making it easier for organizations to keep track of their cash flows and avoid overspending.

Payroll management. Payroll management features help church institutions to manage, maintain, and automate payments to their employees. With these tools, administrators can easily keep track of worked hours and calculate wages.

Expense tracking. This feature allows church organizations to keep a record of their day-to-day expenses. Some free church accounting solutions are also capable of categorizing expenses across different bank accounts.

There are plenty of benefits to using accounting software for churches free products. Here are some examples:

Automated invoicing. With a free church accounting program in place, invoices are automatically generated and sent to suppliers and church members making their online donations.

Faster grant collection. Collecting funds and donations can be overwhelming without a proper system in place. By using a free church accounting software, organizations can start integrating various payment gateways and provide church members with a swift and secure way of making their donations.

Accurate financial reports. Many church accounting software free editions are packed with reporting features that help church institutions analyze their cash flow and stay on top of their finances. To help church leaders make better decisions and understand key financial aspects of their organization, a free church accounting tool provides profit and loss statements and balance sheet reports.

Simplified payroll. A free church accounting solution simplifies payroll processes, making it much easier for church administrators to distribute salaries to their employees. Most programs integrate with various types of payment gateways to make payroll processes much more convenient for employees and administrators.

AI and automation. AI and automation tools are changing the way organizations manage their accounting processes. With their immense potential to replace and complete manual tasks much faster, AI and automation tools are becoming more popular in the accounting industry. At present, a growing number of organizations are now leveraging AI and automation tools for new and improved accounting practices.

More focus on data analytics. The increased focus on data analytics is becoming more pronounced among organizations that want to improve their financial performance. By analyzing massive quantities of financial information, business owners and accountants can easily identify risks and anticipate market trends more accurately.

Scalability. One of the most common concerns among users of free church accounting software is scalability. Most free systems have limited capabilities for scaling as they are built mostly for small to medium-sized organizations. For growing institutions, it is wiser to consider paid versions of church accounting software. These programs can usually accommodate more users and provide more advanced accounting capabilities.

Security. Not all free church accounting software products are built on the same ground, and some programs typically lack the security features that organizations need to protect their finances. Thus, it’s essential to choose a quality program that leverages industry-grade security features and has the capability to perform backup procedures and processes in case of potential breaches.